Hello, I’ve been following stackedhomes for sometime now and find your posts both informative, interesting and enlightening! Would you be able to provide me with some advice or different perspectives for my housing plans? I am a 44-year old single mother of a 13-year old child with a gross salary of 100k, inclusive of bonuses. Currently, we are living with my parents because I am still going through the 15-month cooling period due to a private property which I disposed off 14 months ago. I have about $460k in my ordinary account and minimal cash savings of 30k as I only went back to full-time employment after my divorce 8-9 years ago. Since I am able to purchase a resale flat soon, I’m contemplating the following options:

1. To wait for another 15 months (total of 30 months) to apply for a BTO instead.
2. Buy a resale flat at a central location to rent it out for 4 years until

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